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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and NETSOL TECHNOLOGIES INC (NTWK). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($26.8M vs $18.8M, roughly 1.4× NETSOL TECHNOLOGIES INC). Avidia Bancorp, Inc. runs the higher net margin — 22.9% vs 1.3%, a 21.6% gap on every dollar of revenue. Avidia Bancorp, Inc. produced more free cash flow last quarter ($24.1M vs $-5.1M).
Avidia Bank is an American mutual community bank headquartered in Hudson, Massachusetts. It was founded in 2007 when it was formed by a merger between Hudson Savings Bank and Westborough Bank.
NetSol Technologies Inc. is an American software company which makes automobile leasing software. It is based in Encino, California.
AVBC vs NTWK — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $18.8M |
| Net Profit | $5.3M | $246.8K |
| Gross Margin | — | 48.0% |
| Operating Margin | 33.3% | 6.9% |
| Net Margin | 22.9% | 1.3% |
| Revenue YoY | — | 21.1% |
| Net Profit YoY | — | 121.5% |
| EPS (diluted) | — | $0.02 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $26.8M | $18.8M | ||
| Q3 25 | $28.0M | $15.0M | ||
| Q2 25 | $25.9M | $18.4M | ||
| Q1 25 | $22.9M | $17.5M | ||
| Q4 24 | — | $15.5M | ||
| Q3 24 | — | $14.6M | ||
| Q2 24 | — | $16.4M | ||
| Q1 24 | — | $15.5M |
| Q4 25 | $5.3M | $246.8K | ||
| Q3 25 | $-907.0K | $-2.4M | ||
| Q2 25 | $3.9M | $2.6M | ||
| Q1 25 | $-11.6M | $1.4M | ||
| Q4 24 | — | $-1.1M | ||
| Q3 24 | — | $70.8K | ||
| Q2 24 | — | $-82.9K | ||
| Q1 24 | — | $327.5K |
| Q4 25 | — | 48.0% | ||
| Q3 25 | — | 39.4% | ||
| Q2 25 | — | 56.2% | ||
| Q1 25 | — | 49.8% | ||
| Q4 24 | — | 44.5% | ||
| Q3 24 | — | 45.0% | ||
| Q2 24 | — | 51.5% | ||
| Q1 24 | — | 48.3% |
| Q4 25 | 33.3% | 6.9% | ||
| Q3 25 | -7.0% | -12.2% | ||
| Q2 25 | 19.4% | 17.4% | ||
| Q1 25 | -72.0% | 8.9% | ||
| Q4 24 | — | -3.1% | ||
| Q3 24 | — | -5.2% | ||
| Q2 24 | — | 4.9% | ||
| Q1 24 | — | 8.5% |
| Q4 25 | 22.9% | 1.3% | ||
| Q3 25 | -3.2% | -15.7% | ||
| Q2 25 | 15.0% | 14.0% | ||
| Q1 25 | -50.5% | 8.1% | ||
| Q4 24 | — | -7.4% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | -0.5% | ||
| Q1 24 | — | 2.1% |
| Q4 25 | — | $0.02 | ||
| Q3 25 | $-0.05 | $-0.20 | ||
| Q2 25 | — | $0.22 | ||
| Q1 25 | — | $0.12 | ||
| Q4 24 | — | $-0.10 | ||
| Q3 24 | — | $0.01 | ||
| Q2 24 | — | $-0.01 | ||
| Q1 24 | — | $0.03 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $275.0M | $18.1M |
| Total DebtLower is stronger | — | $337.0K |
| Stockholders' EquityBook value | $379.0M | $35.9M |
| Total Assets | $2.8B | $62.7M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $18.1M | ||
| Q3 25 | $208.3M | $22.7M | ||
| Q2 25 | $592.5M | $17.4M | ||
| Q1 25 | — | $18.8M | ||
| Q4 24 | — | $21.3M | ||
| Q3 24 | — | $24.5M | ||
| Q2 24 | — | $19.1M | ||
| Q1 24 | — | $12.3M |
| Q4 25 | — | $337.0K | ||
| Q3 25 | — | $218.2K | ||
| Q2 25 | — | $134.6K | ||
| Q1 25 | — | $86.8K | ||
| Q4 24 | — | $87.0K | ||
| Q3 24 | — | $92.6K | ||
| Q2 24 | — | $95.8K | ||
| Q1 24 | — | $130.4K |
| Q4 25 | $379.0M | $35.9M | ||
| Q3 25 | $372.0M | $35.8M | ||
| Q2 25 | $191.4M | $37.8M | ||
| Q1 25 | $186.1M | $35.5M | ||
| Q4 24 | — | $33.9M | ||
| Q3 24 | — | $34.7M | ||
| Q2 24 | — | $34.8M | ||
| Q1 24 | — | $35.3M |
| Q4 25 | $2.8B | $62.7M | ||
| Q3 25 | $2.8B | $62.6M | ||
| Q2 25 | $3.0B | $62.4M | ||
| Q1 25 | $2.7B | $58.1M | ||
| Q4 24 | — | $59.1M | ||
| Q3 24 | — | $62.8M | ||
| Q2 24 | — | $64.2M | ||
| Q1 24 | — | $63.3M |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | 0.01× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 0.00× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $28.4M | $-4.7M |
| Free Cash FlowOCF − Capex | $24.1M | $-5.1M |
| FCF MarginFCF / Revenue | 89.9% | -27.2% |
| Capex IntensityCapex / Revenue | 16.0% | 2.0% |
| Cash ConversionOCF / Net Profit | 5.32× | -19.24× |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | $-1.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | $-4.7M | ||
| Q3 25 | $24.1M | $5.3M | ||
| Q2 25 | $-2.3M | $441.0K | ||
| Q1 25 | $-2.2M | $-363.4K | ||
| Q4 24 | — | $-5.1M | ||
| Q3 24 | — | $5.5M | ||
| Q2 24 | — | $6.5M | ||
| Q1 24 | — | $-4.2M |
| Q4 25 | $24.1M | $-5.1M | ||
| Q3 25 | $23.3M | $4.8M | ||
| Q2 25 | $-3.3M | $-44.1K | ||
| Q1 25 | $-3.9M | $-693.0K | ||
| Q4 24 | — | $-5.6M | ||
| Q3 24 | — | $5.4M | ||
| Q2 24 | — | $6.1M | ||
| Q1 24 | — | $-4.6M |
| Q4 25 | 89.9% | -27.2% | ||
| Q3 25 | 83.2% | 32.1% | ||
| Q2 25 | -12.8% | -0.2% | ||
| Q1 25 | -16.9% | -4.0% | ||
| Q4 24 | — | -36.1% | ||
| Q3 24 | — | 37.1% | ||
| Q2 24 | — | 37.0% | ||
| Q1 24 | — | -29.6% |
| Q4 25 | 16.0% | 2.0% | ||
| Q3 25 | 3.1% | 3.2% | ||
| Q2 25 | 3.7% | 2.6% | ||
| Q1 25 | 7.2% | 1.9% | ||
| Q4 24 | — | 3.0% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 2.6% | ||
| Q1 24 | — | 2.4% |
| Q4 25 | 5.32× | -19.24× | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.60× | 0.17× | ||
| Q1 25 | — | -0.26× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 77.94× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -12.84× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AVBC
Segment breakdown not available.
NTWK
| Core Revenue | $18.0M | 96% |
| Other | $816.8K | 4% |
